Ruining your credit feels horrible. If you've made financial mistakes that have damaged your credit — maybe by missing a payment or over-leveraging a credit card — you might feel overwhelmed with how to fix the situation.
Here's the good news: bouncing back after ruining your credit can be easier than it sounds. There are lots of tools that can help you get back on track quickly, like seeing if you can boost your credit score in real-time, or saving a bucketload on car insurance.
Taking control of your finances today can make it easier to bounce back. Just imagine how you'll feel once your finances are in order and your credit mistakes are a thing of the past!
See if you can raise your credit scores in real time
Your credit scores affect whether you can get approved for a loan, a credit card, or even a new job. Usually it can take weeks or months to improve your credit scores, but there's an innovative new feature that could help you raise your FICO® Scores1 <p>Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. <a href="https://www.experian.com/help/information.html?conf=ecs_ficoScoreDisclosure" target="_blank">Learn more</a>.<br></p> instantly.
Experian Boost® can help you get credit for making on-time payments for your phone and utility bills. The process takes just minutes and if qualifying payments are identified, you can include this positive information in your Experian credit file. (Don't worry: If you have any negative marks, those won't count against you.)
Since launching, Experian Boost has collectively increased FICO® Scores across America by over 10 million points. It's 100% free and new potential credit scores take effect immediately.
Sign up for Experian Boost now
Trim up to $720 from your bills with the budgeting app that does it all
Ever look at your bank account and wonder where your paycheck went? Poof, it's gone and you're not exactly sure where you spent it. A budgeting app like Rocket Money can help you take control of your money — spend intentionally on the things you value and stop throwing money away on unimportant things.
Once you have a complete picture of your finances, it's easy to see ways to save. And Rocket Money can help make those potential savings a reality. Their expert negotiators can call the cable company and phone company to help lower your bills. They'll also help you cancel unwanted subscriptions and put that money back in your bank account where it belongs.
Rocket Money has already helped save its members over $50,000,000 on their bills without much time and effort.
Download Rocket Money now
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Can earn stock-back (like cash-back) on purchases2 <p>Investment advisory services offered by Stash Investments LLC, an SEC registered investment adviser. Investing involves risk and investments may lose value. Holdings and performance are hypothetical.
Stash Banking services provided by Stride Bank, N.A., Member FDIC. The Stash Stock-Back® Debit Mastercard® is issued by Stride Bank pursuant to license from Mastercard International. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Any earned stock rewards will be held in your Stash Invest account. Investment products and services provided by Stash Investments LLC, not Stride Bank, and are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value. In order for a user to be eligible for a Stash banking account, they must also have opened a taxable brokerage account on Stash.</p> 3 <p>Stash Banking services provided by Stride Bank, N.A., Member FDIC. The Stash Stock-Back® Debit Mastercard® is issued by Stride Bank pursuant to license from Mastercard International. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Any earned stock rewards will be held in your Stash Invest account. Investment products and services provided by Stash Investments LLC, not Stride Bank, and are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value. In order for a user to be eligible for a Stash banking account, they must also have opened a taxable brokerage account on Stash.</p>
<p>All rewards earned through use of the Stash Stock-Back® Debit Mastercard® will be fulfilled by Stash Investments LLC. You will bear the standard fees and expenses reflected in the pricing of the investments that you earn, plus fees for various ancillary services charged by Stash. In order to earn stock in the program, the Stash Stock-Back® Debit Mastercard must be used to make a qualifying purchase. What doesn’t count: Cash withdrawals, money orders, prepaid cards, and P2P payment. If you make a qualifying purchase at a merchant that is not publicly traded or otherwise available on Stash, you will receive a stock reward in an ETF or other investment of your choice from a list of companies available on Stash. 1% Stock-Back® rewards are subject to <a href="https://lp.stash.com/stride-stash-stock-back-rewards-terms-and-conditions/">terms and conditions</a>. Stock rewards that are paid to participating customers via the Stash Stock Back program, are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value. Stash reserves the right to amend this program and the terms and conditions thereof and/or cancel this program at any time, for any reason, upon notice to you. See <a href="https://lp.stash.com/stride-stash-stock-back-rewards-terms-and-conditions/">terms and conditions</a> for more details.</p>
Offers automatic rebalancing on Smart Portfolios4 <p class="">Stash has full authority to manage a “Smart Portfolio,” a discretionary managed account. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss of principal. Stash does not guarantee any level of performance or that any client will avoid losses in their account.<br></p>
Includes banking with no overdraft or minimum balance fees
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FinanceBuzz doesn’t invest its money with this provider, but they are our referral partner. We get paid by them only if you click to them from our website and take a qualifying action (for example, opening an account.)
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